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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,278 | $77,920-39.3% | $149,723-68.4% | $75,177-37.1% |
| Participation rate | 94.3% | 65.6%+28.7pp | 78.8%+15.5pp | 67.2%+27.1pp |
| Annual return | 17.50% | 31.72%-14.2pp | 134.50%-117.0pp | 160.75%-143.3pp |
| Employer contribution / active EE | $2,403 | $3,138-23.4% | $4,821-50.2% | $2,671-10.0% |
| Participant deferral / active EE | $2,580 | $3,411-24.4% | $5,682-54.6% | $4,126-37.5% |
| Admin fee / account holder | $352 | $5,951-94.1% | $13,215-97.3% | $5,651-93.8% |